An Instant Transfer is a payment made directly from your VugaPay account balance or your mobile money simcard. The recipient receives the money instantly.

Instant transfer is available to all VugaPay users. To make an Instant Transfer, just sign up for a VugaPay account.

Receivers don't need to have a VugaPay account.

Once you create a VugaPay account, your mobile phone number is automatically linked to your account.

Linking your bank account is easy and fast. If you do online banking, you can usually link your bank account in a few minutes.